405 Valley Oak Ct, Windsor, CA 95492 Property Records

Sonoma County property record for 405 Valley Oak Ct, Windsor, CA 95492

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,062 sqft · built 1995
Lot Size	0.311 acres (13,539 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,526 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`161-490-001-000`

Property Details

APN / Parcel Number

Primary APN	`161-490-001-000`
Alternative APN	`161-490-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,062 sqft Living Area
Gross Area	2,572 sqft
1st Floor Area	2,062 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Lot Area	13,539 sqft (0.311 acres)
Garage Type	Attached
Garage Area	510 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	161-490-001
Street Address	405 VALLEY OAK CT
City	WINDSOR
State	CA
Zip	95492-9243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITYWI
Legal Description	95FM161-070-043CALIFORNIA CREEKSIDE IV 161-490 LT1
Legal Subdivision	CALIFORNIA CREEKSID
Legal Block	2
Legal Lot Number	1
Jurisdiction	SONOMA CA
Township / Civil Division	HEALDSBURG
Census Block Group	2
Census Block	2008
Census Tract	153804

Owner

Source: Sonoma County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	405 VALLEY OAK CT, WINDSOR, CA 95492-9243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 30, 2020	Quit Claim Deed, Transfer · FHA Mortgage MR COOPER
Jun 13, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 16, 2019	Deed of Trust, Mortgage · Conventional with PMI MR COOPER
Sep 15, 2017	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2020
Deed Sale	Mar 30, 2020
Prior Sale	Mar 24, 1995 · Amount on Record
Deed Document Number	202023583
Prior Transfer Date	Mar 17, 2020
Prior Transfer Doc	0000023583
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	405 VALLEY OAK CT, WINDSOR, CA 95492-9243
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 VALLEY OAK CT, WINDSOR, CA 95492-9243

Mortgage

Document Number	0000018084
Date	Feb 16, 2021
Instrument	2021018084

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SONOMA CA
Recording Date	Mar 30, 2020
Property Address	405 VALLEY OAK CT, WINDSOR, CA 95492-9243
Document Number	0000023583
Instrument Date	Mar 17, 2020
Instrument	23583
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	TITLE365/RECORDING DEPT

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 VALLEY OAK CT WINDSOR CA 954929243, WINDSOR, CA 95492-9243

Mortgage

Document Number	23584
Date	Mar 30, 2020
Instrument	23584

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SONOMA CA
Recording Date	Jun 13, 2019
Property Address	405 VALLEY OAK CT, WINDSOR, CA 95492-9243
Document Number	0000039912
Instrument Date	Jun 11, 2019
Instrument	39912
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	405 VALLEY OAK CT WINDSOR CA 954929243, WINDSOR, CA 95492-9243

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	405 VALLEY OAK CT, WINDSOR, CA 95492-9243
Document Number	0000026927
Instrument Date	Apr 16, 2019
Transaction Type	Mortgage
Record Updated	May 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 VALLEY OAK CT WINDSOR CA 954929243, WINDSOR, CA 95492-9243

Mortgage

Document Number	0000026927
Date	Apr 24, 2019
Instrument	26927

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SONOMA CA
Property Address	405 VALLEY OAK CT, WINDSOR, CA 95492-9243
Document Number	0000076362
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Oct 19, 2017
Title Company	TITLE 365- NLSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 VALLEY OAK CT WINDSOR CA 954929243, WINDSOR, CA 95492-9243

Mortgage

Document Number	0000076362
Date	Sep 28, 2017
Instrument	76362

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2047

Tax Assessment & Valuation

Source: Sonoma County assessment roll, as of September 1, 2026

Property Jurisdictions

Type	Name
State	California
County	Sonoma County
Municipality	Windsor Town
Unified School District	Windsor Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$358,492 (+2%) Land $118,775 Building $239,717
2025	$4,526.00 (+4.14%)	$351,464 (+4.04%) Land $116,447 Building $235,017
2023	$4,346.00 (+1.8%)	$337,818 Land $111,926 Building $225,892
2022	$4,269.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective February 15, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF WINDSOR serves 25,561 people · EPA ID CA4910017
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 466 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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